Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$205,237Cash toward the purchase price.
Closing costs + prepaids$12,342Not just lender fees.
Before credits & paid funds$217,579The complete starting cash picture.
Estimated remaining funds due at closing
$217,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,236.74
Your down payment$205,236.74
Closing costs + prepaids$12,342.14
Total buyer cash needed$217,578.88
Remaining funds due$217,578.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.28
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$218.25
Prepaid interest, first (27 days)$649.61
Fees + prepaids$12,342.14
Your down payment is the seller’s equity. You take over the $294,691 balance, so the rest of the $499,928 price is paid at closing. A second mortgage can cover part of it. $217,578.88 is due at closing. Uses and sources reconcile at $512,270.14 each. Not a Closing Disclosure.